John Hancock stable value funds

provide plan sponsors and participants with a capital preservation option backed by John Hancock’s 150-year history and proven financial strength, stability, and stable value investment expertise.¹

Guaranteed principal and interest to deliver stable and steady returns 

Well-diversified, investment-grade, fixed-income portfolios

Download our stable value white paper

Designed for plan participants who are:

  • Conservative and risk averse
  • Concerned with market volatility
  • Approaching retirement

Benefits for plan sponsors:

  • A competitive crediting interest rate
  • A transparent structure

Backed by the financial strength of John Hancock


A.M. Best Company

(2nd highest of 13 ratings)

Superior ability to meet ongoing insurance obligations


S&P Global Ratings

(4th highest of 21 ratings)

Very strong financial security characteristics



Moody’s Investors Services

(5th highest of 21 ratings)

Low credit risk



Fitch Rating 

(4th highest of 21 ratings)

Very strong capacity to meet policyholder and contract obligations

John Hancock offers two stable value funds

Both seeking to preserve capital and provide stability of principal while earning current income.


John Hancock Stable Value Guaranteed Income Fund

John Hancock Stable Value Fund


Group annuity contract or rider

Pooled collective investment trust

Inception date

December 2019 for open-architecture plans

June 2020 for Signature plans

May 2, 2006

Guarantor/insurer and Standard & Poor's rating

John Hancock Life Insurance Company (U.S.A) (AA–)

Four external insurance providers:

  • Pacific Life (AA–)
  • State Street (AA–)
  • Prudential (AA–)
  • MetLife (AA–) 

Minimum investment

No minimum

No minimum

Crediting rate reset

Semiannually, January 1 and July 1



Expected Q4 2020


The AA– rating is Standard & Poor’s assessment of the financial strength and claims-paying ability of the insurance company. Standard & Poor's defines companies with "AA" ratings as: "An insurer rating 'AA' has very strong capacity to meet its financial commitments."

Related viewpoints

1 Financial strength ratings, as of 5/7/20 and subject to change, apply to the main life operating companies of Manulife Financial Corporation, including The Manufacturers Life Insurance Company, John Hancock Life Insurance Company (U.S.A.), John Hancock Life & Health Insurance Company, and John Hancock Life Insurance Company of New York as a measure of the respective issuing company’s ability to meet its ongoing insurance and contract obligations. The ratings are not an assessment or recommendation of specific products, the performance of these products, the value of any investment in these products on withdrawal, or the individual securities held in any portfolio. 2 Portability to a new recordkeeper requires that recordkeeper to enter into a fund distribution agreement with John Hancock.

A fund’s investment objectives, risks, charges, and expenses should be considered carefully before investing. There is no guarantee that any investment strategy will achieve its objectives. Investing involves risks, including the potential loss of principal.

The content of this document is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made herein.

Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to prevent fluctuations in their share prices. Although a portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment if both the fund's investment portfolio and the wrapper provider fail.


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